Automated transaction machine

ABSTRACT

An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. application Ser. No. 09/180,558, filed on Nov. 6, 1998, which is a national stage of PCT/US97/08089 which claims the benefit of the filing date of U.S. Provisional Patent Application No. 60/017,533 filed May 10, 1996, the disclosure of which is hereby incorporated herein by reference.

FIELD OF THE INVENTION

The invention relates to retail terminals for automated transactions and a unique system design therefor.

BACKGROUND OF THE INVENTION

For decades, retail sales and services have been automated to greater or lesser degrees. Historically in many European countries, shopkeepers of bakeries and other purveyors have long provided simple vending machines to dispense their products at their street entrances after business hours. More ambitiously automated restaurants are already legendary in the history of the United States. Other and more recent entrants in the automated retail sales and service industries include automated teller machines (ATMs), custom greeting card kiosks, automated lottery machines and other home and commercial business terminals including various Internet services available via personal computer.

Retail terminal technology generally, however, has been pervaded by a fundamental flaw which itself has gone completely unrecognized. This flaw becomes apparent when one considers the piecemeal character of retail terminals of all types in the applicable prior art. Without any known exception, automated retail functions are provided only to address particular and narrow needs. An ATM may dispense postage stamps, but treats the stamp sheets virtually as an alternate currency in a limited menu of deposit and cash access services. Lottery machines dispense lottery tickets; insurance machines dispense insurance policies; and fancy pay telephones and the most advanced home computers function primarily as old-fashioned credit card order lines for the various products and services available online. In short, even in the most recent instances the only advantage in retail automation has been the same as it has been for many years—the elimination of the human attendant.

A need thus remains for an innovation in the area of automated retail goods and services in which an automated transaction machine does more than merely provide existing goods and services in a simple automated way.

SUMMARY OF THE INVENTION

In order to meet this need, the present invention is an automated retail terminal in which a plurality of goods and/or services is provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the course of delivering the goods or services offered, so for example in a combination ATM and Internet kiosk the same credit card or smart card reader is used for both the ATM and the Internet kiosk functions, the same control screen activates the ATM functions and the Internet functions, and etc. The overall importance—and the details concerning—the integrated system aspect of the present automated transaction terminal will become more apparent in the foregoing description.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic entitled “CONCEPT” which illustrates the various existing goods and services machines which can be combined in accordance with the invention;

FIG. 2 is a schematic entitled “REALITY” which illustrates the various existing goods and services machines which can be combined in accordance with the present invention;

FIGS. 3 a-3 e are schematics which show various combinations of integrated systems according to the present invention;

FIG. 4 is a side elevational view of a control panel according to a preferred embodiment of the invention;

FIG. 5 is a side elevational view of the same mechanics as shown in FIG. 4 but with the control panel removed;

FIG. 6 is a perspective view of a further embodiment of the invention which combines multiple transaction stations in a kiosk, which might house any retail function, such as automobile service and refueling or fast food dispensing or vending; and

FIGS. 7 a and 7 b are side elevational views of a yet further embodiment of the invention.

DETAILED DESCRIPTION OF THE INVENTION

The present invention is an automated transaction machine comprising an automated retail terminal which provides a plurality of goods and/or services from an integrated and automated system. Two or more goods and/or services are provided not only in combinations heretofore unavailable, but in an integrated system design in which duplication of effort (and hardware) is largely or completely eliminated.

Referring now to FIGS. 1 and 2, a plurality of machines is shown which can be combined in a single integrated system according to the present invention. However, not all the machines shown need be combined. The invention can be simply the combination of a telephone and a juke box, for example, with the hardware and functions of credit or smart card reading (or encoding), computer hardware and software and audio sound production and reproduction being shared. However, the preferred embodiments of the present invention include an integrated but otherwise traditional ATM, so as to enhance the overall retail sales and services offering by coordinating payment arrangements and generalized banking services with the retail transaction(s). This combination of providing an ATM with other retail goods and services transactions is not only new, but would heretofore have been considered virtually heretical.

The essence of the preferred embodiments of the invention thus resides in the new combination of previously existing but separate means of access to the stream of daily commerce and banking. Meaningful combinations of ATMs and customer retail kiosks have never even been attempted before, possibly because the two technologies have undergone burgeoning technological growth in separately focused directions. For example, certain telephone systems have been promoted as the “ATMs of the future,” providing credit card recognition for instant, albeit remote, execution of retail services. Some ATMs dispense both bills and coin change, and offer services such as on-site check cashing with payment of the exact check amount in bills and/or coins. As described above, ATMs in the past have offered limited retail sales options such as the vending of postage stamps via the bill dispenser. But there has not been, heretofore, a meaningful incarnation of a single system, which an individual consumer can use in a single location, wherein real banking services, and real commercial and banking services, have been combined. Because it is difficult to define objectively, however, that which constitutes real or meaningful banking or retail services, the preferred embodiments of the invention are best characterized as providing a retail terminal offering at least two immediately accessible goods or services and selectively dispensing at least two forms of dispensable currency, to emphasize the novel plurality of uniquely combined system means intrinsic to the present invention. The system for providing these multiple services or goods is integrated, moreover; the invention does not comprise the mere freestanding combination of an existing ATM and an existing retail terminal in adjacent proximity.

One of the preferred embodiments of the present invention is that disclosed in U.S. patent application Ser. No. 08/643,827 entitled “Automated League and Tournament Device.” Two goods or services offered are ATM services and game league services, and the two forms of dispensable currency take the form of bills from the bill safe/dispenser and the encodable credit made possible by the smart card encoder therein. Widespread variability is possible with respect to such combinations.

Another embodiment of the invention includes the following components. A free-standing or wall mounted ATM with traditional ATM hardware, software and banking network connections (and including a bill safe, bill dispenser, magnetic stripe card reader, keyboard and video screen) is augmented with additional means as follows. The ATM is fitted with a smart card reader/encoder, so that in addition to the traditional bill dispenser the ATM can dispense encodable currency onto a smart card or its equivalent (a PC card, a removable hard drive, or other means for encoding digital cash or electronic cash of various types.) The video screen is a touchscreen; internal software provides a first screen menu for selection of traditional ATM services and at least two additional immediate access retail services, which are selected from the group consisting of electromechanical games of skill services, smartcard services, insurance services, restaurant services, travel services, sports services, gaming device services, delivery services, coupon services, floral delivery services, gift basket delivery services, introduction services, audio services, news services transportation services, utility services, physician services, school services, security services, building services, credit services, directory services, home services, military services, personal services, automotive services, employment services, recreational services, travelers check services, children's services, video games of skill services, Internet services, brokerage services, government services, entertainment services, library services, catalogue services, print services, diagnostic services, chat services, video services, database services, barter services, engineering services, pharmacy services, identification services, detective services, church services, loan services, training services, buying services, recruitment services, accounting services, photographic services, food services, radio services, credit services, theme park services, music services, financial services, full-line vending services, health care services, remote access services, payment services, computer services, search services, network services, subscription services, virtual reality services, advertising services, rental services, programming services, beverage services, credit/debit card services, freight services, stored value card services, beauty services, tax services, leasing services, medical services, emergency services, publishing services, counseling services, satellite services, screening services, real estate services, telephone services, ticket services, television services, dating services, information services, lottery services, software services, reservation services, communication services, Intranet services, adult services, referral services, repair services, legal services, consulting services, maintenance services, moving services, trade show services, design services, lodging services, mail services, fast food services, automated services, recording services, clothing services, wireless services, human services, and encryption services. For the purpose of this embodiment, the form such second service takes must be an immediately realizable service, with a good or service being generally immediately rendered to the individual using the system (airline or theatre tickets being printed on the spot, for example) or being separately commenced (initiation of a delivery of flowers in a remote city, for example). It is readily apparent that this combination system is quite different from any of prior art ATMs, telephone ATMs “of the future,” or even personal computer Internet connections which may provide retail functions but do give access to at least two forms of dispensable currency.

The most preferred embodiments of the present invention include means for providing at least two retail services which are not only immediately, realizable but are also immediately accessible to the individual user. Preferred immediate access services include game of skill services, music (juke box) services, vending, publishing (customized newspapers printed on the spot, for example), dating, smart card encryption, travel and entertainment ticketing, and financial, insurance and brokerage services. The consumer appeal of synthesized commercial and retail services with banking services is enormous, which in itself highlights the irony that these diverse services, and the means for providing them, have never been combined elsewhere heretofore.

User access to systems provided according to the invention will normally be accomplished by credit card, smart card or other identification card, but other means are contemplated as within the scope of the invention. Literally any means of positive identification of any given individual user to the system can be implemented, such as iris or fingerprint scans and matching to user databases. Smart card access itself will undoubtedly continue to evolve as smart cards increase in their accommodation of data and processing speed and ability, and this will only enhance the multiple retail and banking aspects of the preferred embodiments of the invention.

Referring now to FIGS. 3 a-3 e, five exemplary system combinations are illustrated schematically. FIG. 3 a illustrates a combined ATM and juke box system; FIG. 3 b illustrates a combined ATM and Internet retail terminal; FIG. 3 c shows a combined ATM and insurance policy terminal; FIG. 3 d illustrates a combined dating service and travel ticketing terminal; and FIG. 3 e illustrates a combined ATM and lottery dispensing machine. These combinations are exemplary of the various conceptual incarnations of the invention as described above.

Referring now to FIG. 4, the multiple functionalities can be combined via a video touchscreen which provides for selection of a wide variety of goods and/or services. FIG. 4 is a partial side elevational view of a kiosk 40 including a control panel 42 having a video command touchscreen 44, at least one smart card dispenser 46, a credit card reader 48, stereo speakers 50, a bill (cash) acceptor 52, a bill dispenser 54 and a receipt (printer) dispenser 56. Optionally, one of the smart card dispensers 46 may be recording means for encoding information on media other than smart cards, including but not limited to magnetic recording tape; floppy or removable hard disks or drives; recordable CDs, PC cards or PCMCIA cards and etc. A motion/sound/position sensor 58 is also provided adjacent the video command touchscreen. A person using the control panel 42 thus has access to all available goods and/or services in a single location.

FIG. 5 illustrates the control panel 42 of FIG. 4 with its cover removed, exposing the underlying mechanical features not including the computerized control and optional network access means which drive the system. A bill dispenser security safe 55 is thus positioned surrounding the bill dispenser 54. A bill acceptor mechanism 53 known in the art supports the bill acceptor

A smart card safe 47 contains smart card inventory to supply to the smart card dispenser(s) 46. A motion/sound/position device 59 supports the sensor 58. A printer 57 provides receipts or other printed materials to the receipt (printer) dispenser 56. Each individual mechanism illustrated in FIGS. 4 and 5 is known in the art, and the invention combines a number of them in a novel and commercially irresistible way.

FIGS. 4 and 5 illustrate a video command touchscreen 44 which is deliberately in portrait rather than landscape orientation. This deliberate orientation enhances the suitability of the command screen to relatively long, single-column selection menus such as those of the World Wide Web on the Internet and also adds an attractive design feature to the kiosk containing it.

FIG. 6 illustrates a kiosk containing multiple transaction control panels similar to those of FIG. 4. A kiosk such as shown can house games, automobile refueling or fast food services in automated form, or virtually any other goods or services disclosed herein.

FIGS. 7 a and 7 b are side elevational views of a further embodiment of the invention. Segments 171 can house monitors, liquid crystal or gas plasma displays; segment 172 can house three dimensional volumetric displays including electromechanical games or displays or three dimensional video or holographic arrays. Kiosks such as are shown in FIGS. 7 a and 7 b may have, optionally, fold down seating and/or modular construction.

The invention is susceptible of widespread departure from the above disclosure without departing from the scope of the invention. Virtually any heretofore uncombined goods and/or services provision may be combined in the automated transaction terminal of the present invention. The key to the invention is the multiple functioning of the terminal as compared to primarily single purpose devices of the prior art. Another way of understanding the most preferred embodiments of the present invention is as an ATM combined with an additional functionality typically found, in the prior art, only in its own freestanding device, i.e., juke box, Internet terminal, etc. Combinations of individual goods and services can be customized to the theme or character of the intended location, and the combinations are thus deliberate, not slapdash.

Notwithstanding the foregoing description, the invention is only to be limited as is set forth in the accompanying claim. 

1.-15. (canceled)
 16. An automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider, cash access services, comprising: an automated teller machine; an Internet interface to the automated teller machine for providing the user with services for immediately realizing access to dispensable currency; a user interface to the automated teller machine; means for identifying the user to the automated teller machine; network services to the automated teller machine that include encryption services, security services and at least one ATM network connection; and means for selectively dispensing at least one form of dispensable currency using the automated teller machine video command or control touchscreen; where the consumer may purchase cash access services through the use of the user interface and the ATM network connection, in combination with Intranet services, Internet services or the World Wide Web on the Internet.
 17. The automated retail terminal according to claim 16, further comprising system means for accepting cash, checks or removable media deposits.
 18. The automated retail terminal according to claim 16, further comprising system means for check cashing by use of coins, cash or encoding services.
 19. The automated retail terminal according to claim 16, further comprising system means by use of a magnetic stripe card reader.
 20. The automated retail terminal according to claim 16, further comprising system means by use of a magnetic stripe card reader/encoder.
 21. The automated retail terminal according to claim 16, further comprising system means by use of a smart card reader/encoder.
 22. The automated retail terminal according to claim 16, further comprising system means by use of a magnetic stripe card/smart card reader/encoder.
 23. The automated retail terminal according to claim 16, further comprising system means by use of a removable media encoder.
 24. The automated retail terminal according to claim 16, further comprising system means by use of a bill acceptor.
 25. The automated retail terminal according to claim 16, further comprising system means by use of a coin acceptor.
 26. The automated retail terminal according to claim 16, further comprising system means by use of a bill dispenser.
 27. The automated retail terminal according to claim 16, further comprising system means by use of a coin dispenser.
 28. The automated retail terminal according to claim 16, further comprising system means by use of a currency acceptor/disburser.
 29. The automated retail terminal according to claim 16, further comprising system means by use of a security safe.
 30. The automated retail terminal according to claim 16, further comprising system means by use of a printer.
 31. The automated retail terminal according to claim 16, further comprising system means by use of a telephone.
 32. The automated retail terminal according to claim 16, further comprising system means by use of computer controlled hardware and software.
 33. The automated retail terminal according to claim 16, further comprising system means by use of a keyboard.
 34. The automated retail terminal according to claim 16, further comprising system means by use of a printer/dispenser for receipts or printed material.
 35. The automated retail terminal according to claim 16, further comprising system means by use of a video screen for command/control function.
 36. The automated retail terminal according to claim 16, further comprising system means by use of a video touchscreen for command/control function.
 37. The automated retail terminal according to claim 16, further comprising system means by use of stereo speakers for audio or sound re/production.
 38. The automated retail terminal according to claim 16, further comprising system means by use of a smart card dispenser.
 39. The automated retail terminal according to claim 16, further comprising system means by use of a smart card safe for smart card inventory.
 40. The automated retail terminal according to claim 16, further comprising system means by use of a sensor.
 41. The automated retail terminal according to claim 16, further comprising system means by use of a motion/sound/position device with a sensor.
 42. The automated retail terminal according to claim 16, further comprising system means by use of a standard ATM security and/or a portrait camera.
 43. The automated retail terminal according to claim 16, further comprising system means by use of a scanner.
 44. The automated retail terminal according to claim 16, further comprising system means by use of monitors, liquid crystal or gas plasma displays, 3-D video, volumetric or holographic arrays for displaying goods and/or services.
 45. The automated retail terminal according to claim 16, further comprising, system means by use of modular construction or optional fold down seating.
 46. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of cash.
 47. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of bills.
 48. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of coins.
 49. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of currency.
 50. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of encodable currency.
 51. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of digital cash.
 52. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of electronic cash.
 53. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of encodable credit.
 54. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of removable media encoded currency.
 55. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a smart card.
 56. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a credit card.
 57. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a debit card.
 58. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a stored value card.
 59. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a phone card.
 60. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a telephone service.
 61. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a wireless phone card.
 62. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a wireless phone service.
 63. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an identification card.
 64. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a radio identification card.
 65. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of a check cashing service.
 66. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online financial service.
 67. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online payment service.
 68. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online brokerage service.
 69. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online credit service.
 70. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online loan service.
 71. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online coupon service.
 72. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online subscription service.
 73. The automated retail terminal for use by a consumer to purchase from a banking or commercial ATM provider cash access services according to claim 16, where, the consumer may consummate the purchase by means of the use of an online advertising service.
 74. A method for a consumer to purchase cash access services from a banking or commercial ATM service providers comprising the steps of: providing automated teller machine access to the consumer by means of an Internet interface to an automated retail terminal; providing Intranet services to the consumer by the use of an automated retail terminal such that the consumer can purchase a cash access service; providing Internet services to the consumer by the use of an automated retail terminal such that the consumer can purchase a cash access service; providing World Wide Web services to the consumer by the use of an automated retail terminal, such that the consumer can purchase a cash access service; and purchasing the cash access services from the ATM service.
 75. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with cash.
 76. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with bills.
 77. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with coins.
 78. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with currency.
 79. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with encodable currency.
 80. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with digital cash.
 81. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with electronic cash.
 82. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with encodable credit.
 83. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with removable media encoded currency.
 84. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a smart card.
 85. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a credit card.
 86. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a debit card.
 87. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a stored value card.
 88. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a phone card.
 89. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a telephone service.
 90. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with wireless phone card.
 91. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a wireless phone service.
 92. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an identification card.
 93. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a radio identification card.
 94. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with a check cashing service.
 95. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online financial service.
 96. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online payment service.
 97. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online brokerage service.
 98. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online credit service.
 99. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online loan service.
 100. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online coupon service.
 101. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online subscription service.
 102. The method for a consumer to purchase cash access services from an ATM service according to claim 74, further comprising the step of purchasing the cash access service with an online advertising service.
 103. Integrated banking and transaction apparatus for use by a consumer, comprising: an automated teller machine; and means for providing a retail transaction to the consumer through an Internet interface and an Intranet service to the automated teller machine. 